ScoreWhy is Finance House PJSC ?
1
With ROA of -0.09%, it has a risky valuation with a 2.20 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 2.80%, its profits have fallen by -124%
Real-Time Research ReportHow much should you sell?
- All quantity irrespective of whether you are making profits or losses
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Finance)
When to re-enter? - We will constantly monitor the company and review our call based on new data
Is Finance House PJSC for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
Finance House PJSC
-100.0%
1.13
23.37%
Abu Dhabi Securities Exchange
2.2%
1.13
8.08%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
-0.60%
EBIT Growth (5y)
-5.51%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
0
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
120
Industry P/E
Price to Book Value
2.10
EV to EBIT
32.43
EV to EBITDA
21.64
EV to Capital Employed
19.35
EV to Sales
1.56
PEG Ratio
0.48
Dividend Yield
NA
ROCE (Latest)
59.67%
ROE (Latest)
1.75%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bullish
Mildly Bearish
RSI
No Signal
Bollinger Bands
Mildly Bearish
Mildly Bearish
Moving Averages
Mildly Bearish (Daily)
KST
Mildly Bullish
Mildly Bearish
Dow Theory
No Trend
No Trend
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend6What is working for the Company
OPERATING CASH FLOW(Y)
Highest at AED 104.27 MM
NII(Q)
Highest at AED 39.27 MM
CASH AND EQV(HY)
Highest at AED 1,507.03 MM
NET SALES(Q)
Highest at AED 62.72 MM
-15What is not working for the Company
PRE-TAX PROFIT(Q)
At AED 1.57 MM has Fallen at -65.42%
NET PROFIT(Q)
At AED -5.91 MM has Fallen at -261.33%
CREDIT DEPOSIT RATIO(HY)
Lowest at 109.63%
Here's what is working for Finance House PJSC
NII
Highest at AED 39.27 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (AED MM)
Operating Cash Flow
Highest at AED 104.27 MM
in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (AED MM)
Net Sales
Highest at AED 62.72 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (AED MM)
Cash and Eqv
Highest at AED 1,507.03 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Depreciation
Highest at AED 3.52 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (AED MM)
Here's what is not working for Finance House PJSC
Pre-Tax Profit
At AED 1.57 MM has Fallen at -65.42%
over average net sales of the previous four periods of AED 4.53 MMMOJO Watch
Near term Pre-Tax Profit trend is very negative
Pre-Tax Profit (AED MM)
Net Profit
At AED -5.91 MM has Fallen at -261.33%
over average net sales of the previous four periods of AED -1.63 MMMOJO Watch
Near term Net Profit trend is very negative
Net Profit (AED MM)
Credit Deposit Ratio
Lowest at 109.63%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets
Credit Deposit Ratio (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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